Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

Do not trust fmafinancial.com aka fma servicing llc. I paid them $1,500 to do a loan modification on my home and they charged my credit card 2x saying that the fee was $3,000 when they only quoted me $1,500. I told them my home was in foreclosure and that they would have to hurry. Here is has been almost 2 months and they keep saying they are working on it.

I called my mortgage lender and they do not show any authorization on file for a fmafinancial.com, fma servicing llc or any company. When I asked my lender if anyone has called to negotiate a mortgage modification on my account the lender says there is no record of anyone calling.

My home is now 1 month away from foreclosure and I don't know what to do. They stole my money and won't give it back. I did a dispute with my credit card company but they reversed it because they said I signed an agreement. My credit card company said I will have to take them to court.

Now I am out $3,000 and have no money and these scammers keep telling me they are working on it. I called the florida department of law enforcement to file a criminal complaint and they told me this group is currently under investigation for fraud, drugs and racketeering.

I recently learned they are a scam phone room and run 2 other investment timeshare scames under the name of timeshare trader usa timesharetraderusa.com and blue bay advisors www.bluebayadvisors.com. I found out the owner sal esposito is a convicted felon for securities fraud, obstruction of justice and racketeering in New York and has been running phone room scams for years.

My sister is a paralegal in Georgia and did some research for me on them. I posted it below.

DO NOT DO BUSINESS WITH THESE PEOPLE.

Securities fraud & racketeering case against Sal Esposito where he spent time in jail and is convicted felon.

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

The state Attorney General's Office is filing suit against a downtown Orlando company saying they broke a law meant to save struggling homeowners from fraud, according to court a document released today.

Financial Management Advisors, a loan-modification company, charges up-front fees of up to $2,500 to troubled home owners looking for help escaping foreclosure, according to a court complaint released today. The problem is that state law bars companies from charging these fees, and the FMA isn't providing the services they promise, it states.

Luis Gonzalez, a lawyer for FMA, says the company helps people, and has never committed fraud. The under which they attorney general is suing them is new and ill-conceived, he added.

'They're barking up the wrong tree when it comes to FMA,' Gonzalez said.

The company also claims to be connected with major mortgage lenders, including Fannie Mae, Countrywide Financial and Lending Tree, but do not have documentation to support their claim, according to the complaint. An advertised staff of 'attorneys, accountants and expert negotiators' does not exist.

Gonzalez said that the company is new and was previously using general contractors. It now has a staff attorney.

The suit asks for a permanent injunction, restitution, civil penalties and litigation costs.

FMA is also known as FMA Servicing, Inc.

Company executives Edward Billings, Joseph Esposito and Salvatore Esposito, were also named in the suit.

AUTHOR: Harold - (U.S.A.)

I personally can tell you that FMA has a Lawyer (Luis Gonzales, Orlando, FL), a CPA (Carlos Alvarado) , 5 Mortgage broker Negotiators on staff ...and have completed 1,255 Loan Modifications for Homeowners. Please contact our company for ACTUAL Testimonials from customers!

The person that posted this is a DESPERATE, DEGENERATE that gets satisfaction from LIES. If the person was LEGITIMATE, they would post PROOF of their service contract their PHONE NUMBER, THEIR ADRESS, ............. this report is completely FALSE. KEEP IN MIND THIS POSTIN IS ANONYMOUS!

AUTHOR: Harold - (U.S.A.)

I personally can tell you that FMA has a Lawyer (Luis Gonzales, Orlando, FL), a CPA (Carlos Alvarado) , 5 Mortgage broker Negotiators on staff ...and have completed 1,255 Loan Modifications for Homeowners. Please contact our company for ACTUAL Testimonials from customers!

The person that posted this is a DESPERATE, DEGENERATE that gets satisfaction from LIES. If the person was LEGITIMATE, they would post PROOF of their service contract their PHONE NUMBER, THEIR ADRESS, ............. this report is completely FALSE. KEEP IN MIND THIS POSTIN IS ANONYMOUS!

AUTHOR: Harold - (U.S.A.)

I personally can tell you that FMA has a Lawyer (Luis Gonzales, Orlando, FL), a CPA (Carlos Alvarado) , 5 Mortgage broker Negotiators on staff ...and have completed 1,255 Loan Modifications for Homeowners. Please contact our company for ACTUAL Testimonials from customers!

The person that posted this is a DESPERATE, DEGENERATE that gets satisfaction from LIES. If the person was LEGITIMATE, they would post PROOF of their service contract their PHONE NUMBER, THEIR ADRESS, ............. this report is completely FALSE. KEEP IN MIND THIS POSTIN IS ANONYMOUS!

AUTHOR: Harold - (U.S.A.)

SUBMITTED: Monday, January 26, 2009

POSTED: Monday, January 26, 2009

The whole report was CUT & PASTE from another website called Complaint Board !..I seen this exact complaint and all this FAKE author did was replace the names! ... Not only that, but the IP Address that this fake person sent the complaint from an ex-employee's web address!! This is nothing but a sleazy attempt to harm another persons character. Disgusting.

AUTHOR: Annessy - (U.S.A.)

SUBMITTED: Thursday, January 15, 2009

POSTED: Thursday, January 15, 2009

WOW! What someone will do to make another company look bad!! From lies about convictions to lies about this company!! This rebuttal is to NOTIFY everyone who looks at this report to PLEASE realize that this posting is PHONEY!You can look up all information included in this posting, so that you can determine for yourselves that there has never been any such cases!! These claims are all erroneous! I do not know how this person has fabricated such false cases and files against Sal Esposito. If you are really interested in finding out the truth to these false allegations all you have to do is look up all these cases and you will see that there are no such cases. Sal Esposito have never been accused or put in jail for any such crimes EVER! How awful and cold can someone be to make up such lies. This report is phony, only aimed to make this business look bad because they are jealous of the hard work and services provided to people that they can not offer themselves. These type of things will only make this company stronger. I am writing to dispute any such negative claims towards this company because I know these claims are totally false. All the cases are nonexistent and Mr. Esposito has no such convictions. I can not let some malicious person post such NEGATIVE, TERRIBLE, ATROCIOUS, & UNSPEAKABLE things about this person and especially about such a hard working company. This company has contacted their attorney to see if any legal action can be taken against this report that has only defamed the character of this company. Everything in their power will be done to trace the posting down to the actual person that has posted this fake rip off report and they will make sure that legal action is taken.

AUTHOR: Yaisha - (U.S.A.)

There may be more reports for "blue bay advisors."
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AUTHOR: Yaisha - (U.S.A.)

SUBMITTED: Thursday, January 08, 2009

POSTED: Thursday, January 08, 2009

BBB Reliability Report for
Company Trader USA Inc

This is not a BBB accredited business.
BBB Rating = F
Ratings Explanation...

BBB assigns grades from A to F with pluses and minuses. A+ is the highest grade and F is the lowest. The grade represents BBB's degree of confidence that the business is operating in a trustworthy manner and will make a good faith effort to resolve any customer concerns.

BBB issues Reliability Reports on all businesses, whether or not they are BBB accredited. If a business is a BBB Accredited Business, it is stated in this report.

Find out more about this business:Reported on Thursday, January 8, 2009 8:10 PM

BBB Accreditation
BBB Rating
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Alternate Business Names
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BBB AccreditationBack To Top This business has not been accredited by BBB.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

The name and logo of the Better Business Bureau is a federally registered trademark owned and controlled by the Council of Better Business Bureaus, Inc. (CBBB) The CBBB does not allow any company to use the name or logo without first signing a use agreement form and never as an implied endorsement. The BBB of Central Florida has written to this company requesting they remove all mention of accreditation in the BBB from their advertising as the company is not an accredited business of the Better Business Bureau. The company has not honored this request to date.
BBB RatingBack To Top Based on BBB files, this business has a BBB Rating of F

Products and ServicesBack To Top This company offers an online advertising company for vacation property, timeshares, vacant land, and businesses.
Additional Locations and Phone NumbersBack To Top 10350 Stone Glen Dr, Orlando, FL 32825, Orange County
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(407) 275-2220 (FAX)
(407) 472-3340 (FAX)

Customer Complaint HistoryBack To Top
The company's size, volume of business and number of transactions may have a bearing on the number of complaints received by the BBB. The complaints filed against a company may not be as important as the type of complaints, and how the company has handled them. The BBB generally does not pass judgment on the validity of complaints filed.

Number of complaints processed by the BBB
since the firm's BBB file was opened in February 2007: 23
in the last 12 months: 22

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.